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May 23, 2012 Ex-CIA spy in Iran's Revolutionary Guard: Baghdad talks highlight Western naivete Putin's latest defiance shows Obama's whisper didn't work Tony Pugh: More private colleges offering tuition discounts Lisa Gerstner: 4 Money-Etiquette Questions Answered Mary Beth Franklin: How to Choose the Right Annuity for You Art Markman, Ph.D.: Get smart: How to bulk up your creativity muscles Israeli scientists use skin cells to help repair heart muscle Tina Susman: The wig wasn't enough: Man gets 13 years for posing as his dead mom The Kosher Gourmet by Emma Christensen:A simple way to do fish right May 22, 2012 David S. Cloud and Kathleen Hennessey: Obama changes mind on Pakistan invite to NATO summit --- and then gets dissed by country's president US Senate approves new sanctions against Iran ahead of Baghdad talks Warren Richey: Can US group challenge overseas surveillance act? Supreme Court to decide Supreme Court: Twins can't claim dead dad's benefits Thomas M. 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Jewish World Review July 6, 2009 / 14 Tamuz 5769 Fear can force better investment planning By Gail Marks Jarvis http://www.JewishWorldReview.com | (MCT) You might be scared, but that's not always bad — if you channel it into action. The stock market and housing market crash, plus rising unemployment and harsh credit card terms, have made Americans aware that their financial futures are fragile. But out of the pain has come laudable behavior: People are thinking twice before spending on a whim, for example. Now it's time to take it a step further: No matter your age, you probably need to save more for retirement, and you may need to invest more wisely. Retirement sneaks up on people who wait to invest. And with government debt soaring, you may end up with less Social Security and Medicare, and perhaps higher taxes too. Here's what to do, at the beginning of adulthood, and through the mid-career years. — Early start puts you ahead. A 22-year-old who invests $2,000 a year every year until retirement — or roughly $38.50 a week — would end up with about $611,000 by age 67, if he or she earns about 7 percent a year on average on the investments. That's not a lot of money if spread out over a long retirement, especially considering inflation. It would provide about $24,440 a year to live on, plus annual inflation adjustments. For $40,000 a year, roughly a $1 million nest egg is necessary. But that would mean investing about $3,300 a year. If you feel you can't afford to save much, start small — even at 1 percent of your salary — and increase it with every raise or windfall. If you save nothing by your early 30s, instead of saving $3,300 you will have to stash about $6,500 to get close to $1 million. If it's your early 40s, it will take about $14,500 a year. To maximize your savings, put them into a 401(k) at work. That's where many employers provide free matching money. Say you make $30,000 a year, and your employer will match the first 3 percent of pay that you put into the 401(k). That's $900 a year from your employer, and if it goes into the 401(k) yearly and earns 7 percent, that free money will give you about $275,000 by retirement on top of your own savings. Experiment at https://401k.fidelity.com/public/content/401k/Tools/ContributionCalc. And whenever you save in a 401(k), you also cut your current taxes. To make most of this opportunity, consider investing about 70 to 80 percent of your 401(k) money in a Standard & Poor's 500 index mutual fund, and the rest in a diversified bond fund. That index fund is a stock investment and might strike you as overly risky after the huge decline the market just encountered. But people in their 20s should do well over time. By combining 70 percent in the stock market and 30 percent in government bonds, an investor would have averaged an 8.9 percent return a year over the last 83 years, according to Ibbotson Associates. When should you bypass a 401(k)? If you have no emergency fund, and are worried about losing your job, you should save for the possibility of a job loss in addition to retirement in a Roth individual retirement account. Money you put into such an account can be removed at any time without penalty. But if you are thinking of the Roth IRA as an emergency fund, invest it safely — perhaps in certificates of deposit at a bank, not in stocks or stock mutual funds. — How to make up for lost time Saving adequately for retirement should take precedence over saving for a child's college education. As a rule of thumb, if you save 10 percent of pay starting with your first job, you will be fine in retirement. Find out how you stand at ChooseToSave.org. Do the "ballpark estimate." To maximize savings and shield them from taxes, put up to $16,500 a year in your 401(k) and an additional $5,000 in a Roth IRA. At age 50, you can put up to $22,000 a year into the 401(k) and $6,000 into the Roth, assuming you fall within the Roth income limits. Up to age 40, advisers typically suggest investing about 70 percent of your retirement money in stock mutual funds. If the downturn subjected you to more loss than you can stand, cut back to 65 percent or 60 percent. By 50, having only 60 percent in stocks is considered prudent, although not immune from losses. If you were shocked by the downturn, put 50 percent in stock funds and 50 percent in bond funds. Although investors have lost as much as 24 percent in this 50-50 combination in a single year, they have never lost money over a 10-year period with such a portfolio, according to Ibbotson. Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. Gail Marks Jarvis is a personal finance columnist for the Chicago Tribune and author of "Saving for Retirement without Living Like a Pauper or Winning the Lottery." Comment by clicking here. Previously: 06/10/09: Best stock buys passed quickly, even for pros 05/12/09: On Wall Street, signs plant a seed of hope 04/08/09: Analysts debate the future of the rally 03/19/09: Gold unlikely to pan out as cure-all 02/29/09: Housing credit could provide sizable boost 02/19/09: Rebalancing being put in different light 02/04/09: Diversification doesn't always offer insulation 01/27/09: Taking steps can help regain some control 01/20/09: How to save for college during a recession 01/12/09: Bonds still risky option to stocks 12/24/08: Some predict mid-2009 for return to investing joy 12/09/08: A small dose of short funds may be useful 11/11/08: Mutual funds can get caught in downward spiral 10/27/08: Investors can bounce back from even the worst of times 10/20/08: Want to sell? Look at 401(k), but don't leap 10/16/08: Want to be like Buffett? There are ways 09/29/08: Money protection only goes so far, so know the risks 08/26/08: Retail stocks may not be best fit for investors 08/20/08: Rear-view mirror investing can be dangerous to a portfolio 07/01/08: What do we do? My daughter didn't get a scholarship 02/25/08: Before abandoning your mutual fund 02/14/08: Dirty little secret of some funds may be haunting 01/29/08: Sorting out the stock market 01/03/08: One word for 2008 crystal-ball gazers: Caution 12/11/07: ‘Buy and hold’ isn't necessarily tried and true 11/26/07: Translating the falling dollar's implications for investors 11/13/07: Gradual retirement may not be key to happiness 11/05/07: Rate cut won't offer immunity to investors 10/29/07: Employers set to help workers save in 401(k) accounts 10/22/07: Playing bounce may be costly to stock investors 10/10/07: Investors find boring often can be fruitful 10/01/07: Make up lost time with swift, smart action 09/24/07: Balance is key for investing by retirees 09/18/07: Homeowners who wait see options fade 09/04/07: Easy matter to rate fund's performance 08/27/07: Mortgage mess could be good for savers 08/17/07: Small stocks are coming with large caveats © 2007, Chicago Tribune Distributed by McClatchy-Tribune Information Services

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